LTV · monthly repayment
▼ 0.50% · 3.625%
HK$68,544
−HK$4,298/mo
▼ 0.25% · 3.875%
HK$70,676
−HK$2,166/mo
Today · 4.125%
HK$72,842
baseline
▲ 0.50% · 4.625%
HK$77,274
+HK$4,432/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$145,684/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,254
−HK$4,120/mo
▼ 0.25% · 3.875%
HK$78,299
−HK$2,075/mo
Today · 4.125%
HK$80,374
baseline
▲ 0.50% · 4.625%
HK$84,611
+HK$4,237/mo
Deposit HK$15.03M · loan HK$15.03M · min. income ≈ HK$160,748/mo (50% DSR)
Upfront cash ≈ HK$16.31M (deposit + AVD stamp duty HK$1,277,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,252
−HK$5,158/mo
▼ 0.25% · 3.875%
HK$84,811
−HK$2,599/mo
Today · 4.125%
HK$87,410
baseline
▲ 0.50% · 4.625%
HK$92,729
+HK$5,319/mo
Deposit HK$12.02M · loan HK$18.04M · min. income ≈ HK$174,820/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$91,505
−HK$4,944/mo
▼ 0.25% · 3.875%
HK$93,959
−HK$2,490/mo
Today · 4.125%
HK$96,449
baseline
▲ 0.50% · 4.625%
HK$101,533
+HK$5,084/mo
Deposit HK$12.02M · loan HK$18.04M · min. income ≈ HK$192,898/mo (50% DSR)
Upfront cash ≈ HK$13.30M (deposit + AVD stamp duty HK$1,277,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$95,961
−HK$6,018/mo
▼ 0.25% · 3.875%
HK$98,946
−HK$3,033/mo
Today · 4.125%
HK$101,979
baseline
▲ 0.50% · 4.625%
HK$108,184
+HK$6,205/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$203,958/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$106,756
−HK$5,768/mo
▼ 0.25% · 3.875%
HK$109,619
−HK$2,905/mo
Today · 4.125%
HK$112,524
baseline
▲ 0.50% · 4.625%
HK$118,455
+HK$5,931/mo
Deposit HK$9.02M · loan HK$21.04M · min. income ≈ HK$225,048/mo (50% DSR)
Upfront cash ≈ HK$10.30M (deposit + AVD stamp duty HK$1,277,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$123,379
−HK$7,737/mo
▼ 0.25% · 3.875%
HK$127,216
−HK$3,900/mo
Today · 4.125%
HK$131,116
baseline
▲ 0.50% · 4.625%
HK$139,094
+HK$7,978/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$262,232/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$137,258
−HK$7,415/mo
▼ 0.25% · 3.875%
HK$140,939
−HK$3,734/mo
Today · 4.125%
HK$144,673
baseline
▲ 0.50% · 4.625%
HK$152,299
+HK$7,626/mo
Deposit HK$3.01M · loan HK$27.05M · min. income ≈ HK$289,346/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$1,277,535 · Scale 2, in force from 26 Feb 2026)